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Message Log 121, 04/14/2053 - JEWL 3-1-2

Dear Transitioners,\xa0

By 2035, the line between the banking system and big tech companies will have become so blurred that they will have essentially merged into one entity. The buy now, pay later financing scheme of the 2020s began this seismic shift, as it has created a cross-breed between these two industries.

Initially, this financing option was seen as a convenient way for people to purchase goods and services that they could not afford upfront. However, as more and more of us became reliant on this financing scheme just to pay for necessities, it became apparent that it was a double-edged sword.

Apple and a handful of big tech companies began to overtake the banking system, and the divide between the rich and poor grew wider as those with wealth were able to take advantage of the system while the rest struggled to make ends meet.